Privacy Notice

CAERUS Financial Limited (CAERUS) is committed to protecting your privacy and ensuring that your personal information is collected and used appropriately, lawfully and transparently. This notice sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

CAERUS is owned by Intrinsic Financial Services Limited which is part of the Quilter Group of Companies. For further details on the companies in our group, please click here.

We deliver service, supported by a comprehensive range of compliance, governance and training solutions which enables member firms to provide and create financial plans that can adapt to your client’s financial objectives, circumstances and changing needs.

WHAT PERSONAL INFORMATION WE COLLECT

We collect personal information about you when you use our website, contact us about joining CAERUS and about our services, visit or contact our recruitment managers, complete our application form or register to receive our newsletters. We will also gather information about you when you join our network to allow us to undertake our role as Principal.

The type of personal information we may collect will depend on the purpose for which it is collected but may include:

Contact details;

Information to verify your identity;

Previous occupation and employment history;

Family, lifestyle, health and financial information; and

Information relating to criminal and/or civil offences.

We may ask for personal information at the start of our relationship and in subsequent communications (such as periodic “Fit and Proper” or competency checks) in order to check your identity, provide network support as Principal and to undertake compliance and monitoring activities. This is a regulatory requirement imposed by the Financial Conduct Authority (FCA).

SPECIAL CATEGORIES DATA

CAERUS may also gather more sensitive personal data, called special category data, as part of our role of Principal firm, for example, as part of recruitment. This type of data can include racial or ethnic origin, genetic or health information or sexual orientation. The processing of some of this data is necessary for us to fulfil the obligations on us as Principal. In such cases, we will always explain this during the onboarding process and explain what information we require and why it is needed. Where we do require it, we will always get consent. Special category data will always be processed and stored securely.

COOKIES

We also collect information about you from other sources. For example, our website automatically collects information from your computer using “cookies” which provides us with limited personal information. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the website owners. For further information visit www.aboutcookies.org or www.allaboutcookies.org.

You can set your browser not to accept cookies and the above websites tell you how to remove cookies from your browser. However, in a few cases some of our website features may not function as a result.

DATA RETENTION

We keep your personal information only as long as is necessary for the purpose for which it was collected to meet regulatory or legislative requirements. Personal information will be securely disposed of when it is no longer required in accordance with our Data Retention and Disposal Schedule. A copy of this is available using the contact details below.

ON WHAT BASIS DO WE COLLECT DATA

The processing of your personal data is allowed under a number of lawful bases. The data required for the provision of our network services is processed on the basis there is a contract with you to do so. Any relevant marketing activity we undertake is done because as a firm we have a legitimate interest to do so however, you have rights to object to this as per the “YOUR RIGHTS” section below.

HOW WE USE YOUR PERSONAL INFORMATION

We process your information in order to support and maintain our contractual relationship with you as a Director or Principal of a member firm, and to comply with legal and regulatory requirements. This includes the following:

As part of our recruitment process;

Providing authorisation, monitoring, FCA submissions;

Confirming and verifying your identity for security purposes;

Confirming and verifying your employment and debt history for “Fit and proper assessments” and FCA approval;

Credit scoring and assessment, and credit management (where applicable); and

Detecting and preventing fraud, crime, money laundering or other breaches.

We also process your personal data for specific business purposes, for example to send you updates of our services and information from our panel of lenders/providers.

Our business purposes include the following:

Enhancing, modifying, and personalising our services for the benefit of our member firms;

Providing communications which we think will be of interest to you;

Audit and record keeping purposes; and

Enhancing the security of our network and information systems.

You have the right to object to this processing if you wish, please see “YOUR RIGHTS” section below.

We may also process your personal data as part of an acquisition or sale. Should this happen, you will notified about any change to processing or data controller arising as a result of this activity.

WHO WE SHARE YOUR INFORMATION WITH AND WHY

We share your information with trusted third parties who perform tasks for us and help us to provide the services you require. These include:

The Quilter Group of companies to enhance the services we can offer you;

Other third parties (including our panel of providers/lenders) where you have given your consent to receive marketing information;

A third party to verify your identity, in line with anti money laundering, financial crime prevention or other requirements (this may involve carrying out checks with credit reference databases);

Third parties who perform tasks for us to help us provide compliance and monitoring checks (these third parties may be based in countries outside the European Economic Area (EEA));

Other organisations, including regulatory bodies, police authorities and fraud prevention agencies, to prevent and detect fraud;

Third parties where required by law, court order or regulation.

HOW WE KEEP YOUR INFORMATION SECURE

We are committed to ensuring the confidentiality of the personal information that we hold and we continue to review our security controls and related policies and procedures to ensure that your personal information remains secure.

When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure.

If we work with third parties in countries outside the EU, we ensure these are countries that the European Union has confirmed have an adequate level of protection for personal information, or the organisation receiving the personal data has provided adequate safeguards.

In limited circumstances, data may be accessed outside of the EEA, i.e., by employees when they travel. In these circumstances, we have appropriate information security measures in place to safeguard this information.

You have the right to opt out of receiving marketing information and tell us what your communication preferences are by contacting us using the details provided at the end of this notice or by using the opt out option on any email marketing. You may opt out at any time if you don’t want to receive any further marketing information.

INDIVIDUAL DATA RIGHTS AND REQUESTS

As a data subject you have the right to make the following requests:

The right to be informed – You can request that we provide ‘fair processing information’, typically through this privacy notice;

The right of access - You may request a copy of the personal information we hold about you using the contact details found on the end of this privacy notice;

The right to rectification - The accuracy of your personal information is important to us. You have the right to ask us to update or correct your personal information;

The right to erasure – You may request the deletion or removal of personal data where there is no compelling reason for its continued processing;

The right to object – You may object to the processing of your data based on legitimate interests;

The right to restrict processing - You have a right to request we ‘block’ or suppress processing of your personal data;

The right to data portability – You may request to obtain and reuse your data;

The right not to be subject to automated decision-making including profiling.

If you wish to correct, restrict, delete or make changes to your personal information, or any of the data subject rights listed above, please contact us at the numbers/addresses listed below.

HOW TO CONTACT US

If you have questions about this notice, need further information about our privacy practices, or wish to give or withdraw consent, exercise preferences or correct your personal information, please contact Intrinsic Financial Services Limited using the following details.

THIS WEBSITE IS INTENDED FOR PROFESSIONAL ADVISER USE ONLY AND NOT FOR USE BY THE GENERAL PUBLIC.

CAERUS Financial Limited is revolutionising the way that a Financial Adviser network model works.

In a market as volatile and difficult as it is today, CAERUS Financial Limited continue to develop a strategy for Financial Adviser network support services in accordance with the needs of Financial Advisers.

CAERUS Financial Limited is a composite Financial Adviser network support service that puts the Customer and Adviser at the heart of its decisions, with a view to helping increase capacity for a Firm, whilst ensuring that our shared regulatory responsibilities are met.

By utilising technology and embracing regulation, CAERUS Financial Limited is able to deliver a business model that operates under some simple but effective processes, whilst enabling a Firm to build value and manage risk.

Treating Customers Fairly (TCF) and FCA-outcome based regulation are integral parts of the proposition, all serving to maximise business potential for the CAERUS Financial Limited network members.

We are confident that this new breed of composite Financial Adviser network support service will deliver real value to the advising community of today and tomorrow.